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Family travel insurance

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  • Get a quote in 2 minutes for your family

  • Covers lost baggage and medical treatment

  • Includes cover for 2 adults and up to 8 children 

Covid-19 - Important information 4th October 2021

On 4th October, the travel traffic light system has been replaced by a simplified set of rules for international travel. These rules tell you what you must do when returning to England, Scotland, Wales, and Northern Ireland from a red list country.

Before buying travel insurance, you should think about what could happen if your destination moves to the red list. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.

It's important to check both your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there.

If you travel against the FCDO advice, you won't be covered by any travel insurance policy you buy.

A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.

What is family travel insurance?

Family travel insurance typically provides cover for one or two adults living at the same address, plus at least one child. It’s a great option for families travelling together because it covers you all under one policy, saving paperwork but also potentially saving you time and money.

If two adults are travelling under a family policy, they must be either married or in a relationship. You can add a maximum of 8 children to a policy. You can choose an annual travel policy which will cover your family for multiple trips throughout the year or choose a single trip travel policy if you’re just planning one holiday.

What does family travel insurance cover?

Much like a standard travel policy, a family travel insurance policy normally includes cover for:

  • Cancellations cover if you need to cancel your holiday unexpectedly, or even if you need to cancel onward travel or accommodation
  • Emergency medical treatment is also included just in case you or anyone covered under your policy falls ill or gets injured while you’re on holiday
  • Lost baggage and possessions covers accidental loss, damage or theft of your baggage, other personal possessions, and money
  • Legal cover which can pay compensation for personal injury, illness or death which happens on your trip

Insurers offer varying levels of cover and some have restrictions about travelling individually and as a couple. So be sure to check the small print before buying a policy to make sure it suits your family’s needs.

What are the benefits of a family travel policy?

A family travel insurance policy can save you money and it’s much easier than buying individual polices for everyone.

The other important benefits of a family travel insurance policy include:

  • Enhanced Covid-19 cover for your holiday. When you get a quote, we’ll highlight the insurers and policies that offer this extra cover
  • Cheaper than buying individual policies for everyone in your family that you’re travelling with
  • Different cover types available from single-trip cover, annual travel insurance or backpackers travel insurance
  • Young children are sometimes free to add to your family policy. If your children are under a certain age, some policies will allow them to travel for with no extra cost
  • Adults don’t always have to be travelling with their children to be covered. This depends on your policy, we recommend checking the details of your policy before buying, as this can vary between insurers

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How much does family travel insurance cost?

The cost of your policy depends on certain things, including:

  • The number of people you want to cover
  • Any pre-existing medical conditions you or anyone you’re travelling with has
  • The age of the people you want to cover in your policy
  • How long you’ll be away for
  • Where you’re travelling to

Here are some average premium costs for 2 adults and 2 children for popular destinations around the world:

Destination Average premium1 (2 adults, 2 children)

1. Confused.com travel data – Average price of all premiums (1 week) August – October 2020

What isn't covered by family travel insurance?

Similar to most insurance policies, there are certain things that may not be covered if you try to claim, including:
  • Alcohol or drug related incidents as these will make your policy invalid
  • Travelling outside FCDO advice
  • Natural disasters and catastrophes are also excluded from most travel insurance policies
  • Not declaring any pre-existing medical conditions and if you try to make a claim at a later date then it’s likely to be rejected
  • Some policies will only cover children who permanently live at the same address
  • If people covered on your policy decide to travel on their own, then your policy may become invalid, and they won’t be covered

Can I get a family travel insurance quote if I have a serious, pre-existing medical condition?

If you’re looking for a travel insurance quote for your next family holiday, and have a pre-existing medical condition, you can still use our site to get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers may not cover you if you already have a serious medical condition, or if you have several conditions. Others might only offer insurance at a much higher price. If you can’t find suitable cover, the Money and Pension Service (MaPS) has set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can find their directory of insurers on the Money and Pensions Service (MaPS) website or you can phone them on 0800 138 7777 for free impartial advice.

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Need more help?

Does family insurance cover people travelling alone?

This can vary depending on the insurer you choose. But most annual policies will cover families who travel together or individually. Some restrictions apply for those under 18.

Does family travel insurance cover children over 18?

No, a family policy will only cover children under the age of 18 at the time of buying the policy. Once you reach the age of 18, you’re considered an adult and they would have to be listed as an adult on the policy or take out a separate policy.

What our travel insurance expert says

Having one family travel insurance policy is a lot easier to keep track of than having several individual travel policies. It’s also usually cheaper to cover everyone under the same policy, offering greater value for money.

Jac Morris signature

Jac Morris

Travel insurance product executive

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